Finance, Real Estate and Law Assistant Professor Alex Wei Wu explains that while instant‑approval credit cards can provide quick decisions, they don’t guarantee actual approval — eligibility still depends on individual creditworthiness. He stresses the importance of understanding the limitations of “instant approval” and advises consumers to consider both credit score and card terms before applying, even when pursuing fast results.

This article was originally published by WalletHub.com on July 14, 2025.